River Region Credit Union is headquartered in Jefferson City and is the 4th largest credit union in the state of Missouri. It is also the 579th largest credit union in the nation. It was established in 1954 and as of March of 2025, it had grown to 126 employees and 43,416 members at 9 locations. River Region Credit Union has an A health rating.
Field of Membership Restrictions
Membership in River Region Credit Union is open to those who live or work in the Missouri counties of Boone, Callaway, Cole, Miller, Moniteau, or Osage.
See current membership details
Disappointed
I have been a loyal customer to RRCU for a few years. I have my current auto loan with them, and I have a 100% on-time payment history with them, as I have had on all my loans there. Today I was declined for an auto loan, despite the terms meeting their loan parameters. I have found this to be very disappointing, as it seems their customer service in this area has dropped of late. I will say that their staff was and has always been polite and respectful. But I can no longer voice my support for them at this point. They have changed, and not for the better. I wish them better days ahead
Draconian Customer Service
I had been with the credit union almost three years. I chatted in-app about changing my checking account to the new checking advertised, and never received any follow-up despite promises made for the same. The week after next I followed up by phone and was told my call wasn't appreciated and those like me weren't served as part of normal business there before hanging up, after multiple attempts to get even that out of them. I decided not to pursue the account change further, but noticed the next week my ability to get funds in and out had been restricted. I thought it was a glitch, but after two weeks I was told to contact a Specialist (who responded generically and never specifically to anything I said twice) before getting the Director to terminate my membership and accounts with a week's notice (slightly less since the contact was made after close of business). I was provided a bad number for follow-up that has never worked for even leaving a message and no recourse regarding this experience within the organization as it appears they have no one auditing them or checking them for compliance internally or externally to contact and decisions are made unilaterally. I have no idea how they think this could possibly be acceptable behavior for any business lest one providing an essential function like a checking account. I'm convinced there must just be a few bad apples involved as I'd never otherwise had a problem before.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 24955 |
| Year Chartered | 1954 |
| Employees | 126 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.98% |
| Return on Equity - YTD | 9.85% |
| Annual Interest Income | $10.4MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $741.3MM$520.6MM |
| Loans | Q1 2025vs Q1 2024 | $542.3MM$401MM |
| Deposits | Q1 2025vs Q1 2024 | $650.7MM$459.8MM |
| Equity Capital | Q1 2025vs Q1 2024 | $72.3MM$44.8MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $2.9MM$2MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $3.7MM$2.1MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |